Research Of Agricultural Bank Of China Building P2P Lending Platform

Peer-to-peer Lending is a product which comes from the combination of Internet Finance and Folk Loan, it is a effective supplement of existing financial system, it has important and realistic meaning to Inclusive financial system. Since the first P2 P Lending company Zopa was established in 2005 in UK, P2 P Lending is developing rapidly around the world, with the rise of Internet Finance in China, the first P2 P Lending also appeared in China in 2007. When traditional commercial banks are dealing with a major change of internal and external business environment as long as the acceleration of business transformation, they all positively try internet business and P2 P Lending.This article reviews related theories of P2 P Lending at the beginning, then briefly introduces the development status of domestic and international P2 P Lending industry, it compares and analyzes the operation mode of foreign companies Prosper and Lending Club, domestic companies Lufax and Credit Ease, it also described the current situation of electric business platform of commercial banks, the layout of P2 P Lending. Then it analyzes the strengths and weaknesses, opportunities and threats in developing P2 P Lending of Agricultural Bank of China based on SWOT, brings forward the development strategy based on those analysis, it also describes the operation mode of Agricultural Bank of China in details in building the platform from the aspects of platform positioning, business process, management mode, client access, marketing management and risk control; At the end, it proposes the necessary legislation and regulation during developing P2 P Lending, the technology, talented team and other supporting conditions, to promote a healthy development of P2 P Lending industry in China.